Over at her place with the HVAC tech doing routine twice a year cleaning maintenance on her unit. 

Build routines (no different than dieting, working out, etc.)5.

And then 1M umbrella policy for $600 a year.Then he says the umbrella is strictly for my company and he can get me one personally..Am I really going to have to get 3 policies?

My routine, 1-2 hour breakfast/coffee with my buddy.

Most people are happiest with a daily routine surrounded by intelligent peers doing something both gratifying and remunerative.

There are strict rules and regulations in Shaker Hts. and a lot of the other cities and suburbs.

originally had a few hundred monthly wash pass members and we upped that into the thousands. routinely washed anywhere from 50-250 cars.

They might make you open some things up and it will likely cost you (really depends on how strict your municipality is, I would ask someone there for a better idea.)

I love section 8 because it guarantees a certain % of rent, the tenants really value that housing voucher and won't do things to risk losing it, and section 8 has strict criteria for condition of the unit which adds a layer of accountability on my property manager. 

No matter how long a guest stays compared to policy there will be an explanation or excuse or expectation that you will look the other way.Hopefully people understand that with you living next door there will be more enforcement of the rules, but you need to figure out what you can tolerate becuase they are going to push you to the edge and trying to be ultra strict may backfire.